If a police report is filed, how long can a fraud alert last on a credit file?

When a police report is filed, a fraud alert can last on a credit file for a maximum of seven years. This extended duration is a protective measure for victims of identity theft, allowing them to safeguard their credit more effectively. Once a police report documenting the identity theft is available, it triggers this longer period because it demonstrates a more significant risk to the individual's financial identity.

In contrast, fraud alerts placed without a police report typically last for shorter durations, offering less time for protective measures. The longer duration in this case underscores the need for continued vigilance after such an event, giving financial institutions additional awareness during credit inquiries and helping to prevent further fraudulent activity.